Every student wants Extra Credit! Extra Credit is not just another boring finance book. You’ll learn: • The top 10 ways credit card companies trick you. • When to use debit cards and when to use cash. • What is a credit score? • How to choose the right student loan. • The keys to succeed in college. • And much more…

Product Features

• Used Book in Good Condition

Let me guess – your finances are a mess. Your credit score isn’t perfect; your debt is out of control; you don’t have a budget, your savings account has seen better days; and investing confuses you. Do any of these situations sound familiar? If so, you’re in the right place. In 36 days, the LIVE RICHER Challenge will help you master your money through simple, daily financial tasks. Are you ready? Let’s go.

Praise for Author’s Last Book:
“Confessions of a Credit Junkie is presented in a conversational tone, without confusion, techno-speak complexity or excessive industry jargon. The book breaks through delusion and naiveté and can, given a chance, inspire even the most wide-eyed spender to avoid the pit of debt that snared Harzog and so very many others.
–Creditcardinsider.com

If you’re in credit-card debt and you’re tired of being told that all you need to do is give up your daily latte–and cut up all your credit cards–this is the book for you.

Former credit junkie Beverly Harzog racked up thousands of dollars in credit-card debt during a decade of overspending. When she decided she wanted to break free from debt, she found that conventional advice about personal finance didn’t work for her.

So, Beverly created her own unique debt escape plan and succeeded in paying off more than $20,000 in credit card debt in two years.

In The Debt Escape Plan, you’ll find easy-to-follow advice, often laced with a touch of Southern humor, to help you conquer–and stay out of–credit-card debt.

In this much-needed book, you’ll learn:
Why a one-size-fits-all approach to credit card debt doesn’t work.
How to use the Money Personality Quiz to customize your own debt escape plan.
The nine biggest debt mistakes and how to overcome them.
Seven secrets for giving your credit score a quick boost.
how to overcome the hardships of medical bills.
How to debt-proof your future so this never happens to you again!

Refer to this financial management guide to help you gain control of your personal finances from assessment to budgeting to home ownership. The tips included will be beneficial for everyone in your family regarding money and credit issues. You will learn the differences in needs versus wants, creating a manageable budget, saving for future expenditures, paying off debt, and housing related rights and responsibilities.

From the author of Money Well Saved comes a new slant and different thinking on getting out of debt and staying out of debt from now on! You will learn why, if debt is a problem for you, it is not your most pressing financial concern. And you will learn how to settle your debts in a way that is in your own best interests. I am the author of this book and I was once unemployed, broke (which I define as having no savings!) and over $50,000 in debt. But I was able to become totally debt-free in just a few years while building my savings at the same time! You can do the same! In this book you will learn my simple secrets to debt-free and prosperous living.

Brooklyn based author, artist and life coach – Ayana Hinton – debuts her memoir “You Can’t Charge Spiritual Debt to a Credit Card: 13 Keys to Spiritual Power” at a time when people are hungry to know what their purpose in life is. In this book, Ayana Hinton, dissects the anatomy of life crises in order to harvest some of the most powerful, beautiful and difficult life lessons from her journeys.

The high-yield leveraged bond and loan market (“junk bonds”) is now valued at $3+ trillion in North America, €1 trillion in Europe, and another $1 trillion in emerging markets. What’s more, based on the maturity schedules of current debt, it’s poised for massive growth. To successfully issue, evaluate, and invest in high-yield debt, however, financial professionals need credit and bond analysis skills specific to these instruments. Now, for the first time, there’s a complete, practical, and expert tutorial and workbook covering all facets of modern leveraged finance analysis. In A Pragmatist’s Guide to Leveraged Finance, Credit Suisse managing director Bob Kricheff explains why conventional analysis techniques are inadequate for leveraged instruments, clearly defines the unique challenges sellers and buyers face, walks step-by-step through deriving essential data for pricing and decision-making, and demonstrates how to apply it. Using practical examples, sample documents, Excel worksheets, and graphs, Kricheff covers all this, and much more: yields, spreads, and total return; ratio analysis of liquidity and asset value; business trend analysis; modeling and scenarios; potential interest rate impacts; evaluating and potentially escaping leveraged finance covenants; how to assess equity (and why it matters); investing on news and events; early stage credit; and creating accurate credit snapshots. This book is an indispensable resource for all investment and underwriting professionals, money managers, consultants, accountants, advisors, and lawyers working in leveraged finance. In fact, it teaches credit analysis skills that will be valuable in analyzing a wide variety of higher-risk investments, including growth stocks.

THIS IS THE BOOK THAT THE CREDIT-CARD COMPANIES DON’T WANT YOU TO READ!!!

So, you may be looking for a book on such a subject because you amassed a certain amount of debt, perhaps fallen behind in some payments, or even considered bankruptcy. Sometimes debt isn’t even a result of overspending but just bad life circumstances such as a death or divorce of someone that helped us live to a certain standard. There is nothing to be ashamed of or even worried about.

Using the strategies in this book, you can pay off your debts in the least amount of time and live free again.

Imagine instead of paying everything off in five to seven years, you’re able to do this in two. Can you wait that long to be completely debt free?

The strategies used in this book are based on time-tested equations that will significantly reduce the time it will take to pay off your credit debt, saving you thousands of dollars. Additionally, Gerry Marrs will teach you some guerrilla tactics that will literally cut your credit card balances in half, and free you from the chains of debt bondage. The plan in this book is simple to implement, and flexible according to your lifestyle needs.

This book will show you some quick-payoff principles as well as how to save more, spend less, and perhaps even make some money. Gerry Marrs calls this principle the three pillars of financial success; save, budget, and earn. When you can balance all three of these functions of personal finance, you can achieve great wealth and prosperity.

Here are some of the things you will find in this book:

* Understanding Debt and Credit
* Types of Debt
* Debt-to-Income Ratio: What is it?
* Median Ranges of Debt-to-Income
* The REAL Cost of Credit Debt
* How banks calculate home loans
* The real cost of credit card debts and how they are calculated
* Getting a better deal
* Practical Money Skills For Life
* Setting Serious Goals
* Why should I set goals?
* Visualize your goals and write them down
* Personal Goals Vs Financial Goals
* Create a Solid Timeline
* 3 Tiered Plan Of Saving
* Short Term and Long Term Financial Goals
* Prepare to do Battle!
* Finding Additional Resources
* Making a Budget You Can Live With
* Health Insurance
* Grocery Bills
* Utility Costs
* Banking and/or Check Cashing Fees
* Additional Income Opportunities
* Yard Sales
* Odd Jobs around Your Community
* Freelance Writing Gigs
* The Light at the End of the Tunnel
* Laying Out Your Debts
* Prioritize Your Debts
* Map Out Other Bills
* Decrease Your Expenses
* Credit Scores and Credit Reports: A Primer
* What Is a Credit Score?
* The Credit Score Model
* Credit Worthiness
* Credit Reporting Companies
* Credit reporting Scams
* Demystification of the credit reporting systems in the United States of America
* The Effect on Interest
* The Get out of Debt Early (GOODE) System
* Choosing which Debts to Pay Early
* Calculating pay-offs
* Online debt repayment calculators
* Right to the Source
* Yet even more calculators
* Manually Calculating Payments for More Control
* Calculating Monthly Credit Card Interest, the Easy Way
* Calculating Monthly Credit Card Payments, the Easy Way (or MAYBE NOT)
* Determining the Amount of Time to Pay Something Off
* Setting up your payment strategy
* What happens when you can no longer make a payment?
* What happens when you miss one single payment?
* What happens when you are unable to pay a second month?
* What happens when you cannot make payments beyond six months?
* What happens when you cannot make payments for years?
* Working with Creditors, Some Useful Scripts
* Proactive Approach
* Reactive Approach
* Sample Scripts
* How To Legally Rob Credit Card Companies
* Debt held by credit card company
* Debt held by collection agency

Don’t delay! Order your copy today!

Credit and debt appear to be natural, permanent facets of Americans’ lives, but a debt-based economy and debt-financed lifestyles are actually recent inventions. In 1951 Diners Club issued a plastic card that enabled patrons to pay for their meals at select New York City restaurants at the end of each month. Soon other “charge cards” (as they were then known) offered the convenience for travelers throughout the United States to pay for hotels, food, and entertainment on credit. In the 1970s the advent of computers and the deregulation of banking created an explosion in credit card use—and consumer debt. With gigantic national banks and computer systems that allowed variable interest rates, consumer screening, mass mailings, and methods to discipline slow payers with penalties and fees, middle-class Americans experienced a sea change in their lives.

Given the enormous profits from issuing credit, banks and chain stores used aggressive marketing to reach Americans experiencing such crises as divorce or unemployment, to help them make ends meet or to persuade them that they could live beyond their means. After banks exhausted the profits from this group of people, they moved into the market for college credit cards and student loans and then into predatory lending (through check-cashing stores and pawnshops) to the poor. In 2003, Americans owed nearly $8 trillion in consumer debt, amounting to 130 percent of their average disposable income. The role of credit and debt in people’s lives is one of the most important social and economic issues of our age.

Brett Williams provides a sobering and frank investigation of the credit industry and how it came to dominate the lives of most Americans by propelling the social changes that are enacted when an economy is based on debt. Williams argues that credit and debt act to obscure, reproduce, and exacerbate other inequalities. It is in the best interest of the banks, corporations, and their shareholders to keep consumer debt at high levels. By targeting low-income and young people who would not be eligible for credit in other businesses, these companies are able quickly to gain a stranglehold on the finances of millions. Throughout, Williams provides firsthand accounts of how Americans from all socioeconomic levels use credit. These vignettes complement the history and technical issues of the credit industry, including strategies people use to manage debt, how credit functions in their lives, how they understand their own indebtedness, and the sometimes tragic impact of massive debt on people’s lives.

Product Features

• Used Book in Good Condition

In the early 1990s we experienced a recession not quite as bad as the great recession of 2012 but painful for many nonetheless. Back then I did live radio five nights a week on this one subject (credit repair) broadcast out of Miami. The program, like this book, was called Credit Warfare and focused each night on a new credit repair or debt collection issue.

Many people listened nightly on their ride home from work. It was the highest rated program on AM radio during drive time because so many people needed help. Doctors, lawyers, judges, secretaries, police officers, nurses, truck drivers etc… listened to Credit Warfare and used the information to pull their lives back together.

A superior court judge became a federal judge. A police lieutenant became a captain. Others got new jobs and started businesses. They were now able to get the best rates on insurance, homes, cars, credit cards and so on because they were trained to handle their credit repair / debt collection issues themselves.

Today more than 61 million Americans have bad credit with another 30 – 40 million classified as bruised to sub-prime. I knew things were getting bad back in 2007 when I started receiving emails from those who listened to me on the radio or came to seminars 15 years earlier asking for help again.

As was the case then, you can re-take control of your financial life without a credit repair company, credit counseling or in most cases an attorney. You can stop the creditors, collectors and lawyers with little effort and regain some sense of serenity in very short order if you know what your rights are and how to enforce them.You truly can remove any negative information from your credit report on your own legally with minimal time invested.

Credit Warfare will provide you with the knowledge you need backed up with legal references, resources, a plan of action and step by step instruction to deal with any credit or debt collection issue regardless of whether you are a novice or experienced consumer. Most importantly Credit Warfare will help you sleep at night knowing you have the power to fix the issues at hand and protect yourself from any further attacks.